| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $57K | $57K | 6.20% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | -$315 | $55K | 13.40% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $15K | $50K | 12.16% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BOULEVARD, SUITE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | -$43 | $23K | 5.59% |
| DANIEL M MCALONE3 Filed as: DANIEL MCALONE | 445 NORTH TAYLOR AVENUE KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $376 | $0 | $376 | 0.09% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $924K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,246 | $410K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,246 | $410K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,246 | $410K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,246 | $410K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $924K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,246 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,246 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.